Get your loan
quickly and hassle-free.
Online personal loans from $250 to $1,500 (up to $5,000 on review). 34.50% APR, approval in 4 hours, same-day funding. Available across Canada except QC and MB.
Loan simulator
No commitmentEstimate your payment in seconds.
Higher amounts up to $5,000 available on case-by-case review.
For illustration only. High-cost credit — APR ≥ 32%. One-time fees not included (NSF $25, rescheduling $25).
Direct deposit with major Canadian banks
A loan, without the usual hassle.
We make credit simpler by putting technology, transparency and human service at the heart of the process.
Fast approval
Reply within hours and funds deposited the same day in most cases.
100% online
Apply from your phone. No in-person visit, no paperwork to print.
Secure and transparent
Your data is encrypted. APR fully disclosed before signing — you know exactly what you pay.
Three steps, a few minutes.
From the form to funds in your account, we simplified everything.
Fill the form
A few fields only: identity, income and amount requested. Under 5 minutes.
Get your decision
Our team reviews your file and usually replies within a few hours.
Receive your funds
Once approved, the deposit lands in your bank account, often the same day.
Rebuild your credit score, step by step.
A bad credit file is not a dead end. Our products are built to help you show a stable payment history and, over time, lift your score.
- ✓Regular payments reported to credit bureaus.
- ✓Personalized advice to build a realistic budget.
- ✓Human support, no judgment.
Tips to manage your credit better.
How to Get a Personal Loan with Bad Credit in Canada
Your credit score isn't everything. Learn how to get approved for a personal loan even with bad credit.
Emergency Loans in Canada: Fast Cash When You Need It
Car repair, medical bill or income gap? Get funds fast — answer within 4 hours.
Personal Loans in Ontario: How to Apply Online in 2026
Ontario residents can apply for a personal loan entirely online — bad credit considered.
What our customers say.
"Funds received in under 3 hours. Super simple process, no paperwork. I recommend for quick help."
"After two bank refusals, Credit2Go gave me a chance. Friendly advisor, clear rate from the start."
"I renewed my loan three times. Every time, answer within the day and flawless service."
Your data is protected by banking-grade standards.
We use end-to-end SSL/TLS encryption and regularly test our systems to guarantee the confidentiality of every file.
Everything you want to know, in plain words.
What is the maximum amount I can borrow?
Standard Credit2Go loans range from $250 to $1,500. Higher amounts up to $5,000 are available on case-by-case review. The exact amount depends on your income and your ability to repay.
How long before I receive the funds?
In most cases, funds are deposited the same day once your application is approved. Timing may vary based on your bank.
What is the interest rate?
Our rate is fixed: 31.00% nominal compounded daily, equivalent to a 34.50% effective APR. This is high-cost credit (APR ≥ 32%), under the 35% federal cap. Every offer states the rate, total cost and schedule before signing. No surprises.
Do you run a credit check?
Yes, we run a light check to assess your file, but bad credit does not automatically disqualify your application. We look at the whole picture.
Can I repay my loan early?
Absolutely. No early repayment fee. You can pay off your loan any time and save on interest.
Ready for the next step?
Fill your application in a few minutes and get a fast reply. No commitment.
A question? Write to us.
Fill out this short form and we will reply as soon as possible. For urgent requests, please call us directly.
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